WallStSmart

Itau Unibanco Banco Holding SA (ITUB)vsTectonic Financial Inc PR (TECTP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 170391% more annual revenue ($138.95B vs $81.50M). ITUB leads profitability with a 32.3% profit margin vs 21.1%. TECTP trades at a lower P/E of 4.6x. ITUB earns a higher WallStSmart Score of 76/100 (B+).

ITUB

Strong Buy

76

out of 100

Grade: B+

Growth: 6.0Profit: 8.0Value: 8.0Quality: 5.0

TECTP

Buy

58

out of 100

Grade: C

Growth: 6.7Profit: 7.0Value: 8.3Quality: 4.8
Piotroski: 2/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ITUBOvervalued (-10.1%)

Margin of Safety

-10.1%

Fair Value

$8.69

Current Price

$8.21

$0.48 premium

UndervaluedFair: $8.69Overvalued
TECTPUndervalued (+90.1%)

Margin of Safety

+90.1%

Fair Value

$100.76

Current Price

$9.99

$90.77 discount

UndervaluedFair: $100.76Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.3%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

Free Cash FlowQuality
$45.01B10/10

Generating 45.0B in free cash flow

Market CapQuality
$86.41B9/10

Large-cap with strong market position

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

TECTP5 strengths · Avg: 9.4/10
P/E RatioValuation
4.6x10/10

Attractively priced relative to earnings

Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Operating MarginProfitability
33.6%10/10

Strong operational efficiency at 33.6%

Profit MarginProfitability
21.1%9/10

Keeps 21 of every $100 in revenue as profit

EPS GrowthGrowth
25.9%8/10

Earnings expanding 25.9% YoY

Areas to Watch

ITUB1 concerns · Avg: 4.0/10
EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

TECTP3 concerns · Avg: 2.7/10
Market CapQuality
$40.48M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Free Cash FlowQuality
$-17.26M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : ITUB

The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.

Bull Case : TECTP

The strongest argument for TECTP centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 21.1% and operating margin at 33.6%. Revenue growth of 11.1% demonstrates continued momentum.

Bear Case : ITUB

The primary concerns for ITUB are EPS Growth.

Bear Case : TECTP

The primary concerns for TECTP are Market Cap, Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

TECTP carries more volatility with a beta of 1.15 — expect wider price swings.

TECTP is growing revenue faster at 11.1% — sustainability is the question.

ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ITUB scores higher overall (76/100 vs 58/100), backed by strong 32.3% margins and 11.0% revenue growth. TECTP offers better value entry with a 90.1% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Itau Unibanco Banco Holding SA

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.

Tectonic Financial Inc PR

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Tectonic Financial, Inc., a financial holding company, provides banking and financial products and services to individuals, small businesses, and high-net-worth institutions in the United States. The company is headquartered in Dallas, Texas.

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